AI Virtual Agents for Collections and Customer Engagement

Automate customer interactions across voice, SMS and email – with AI that verifies, negotiates and resolves, around the clock.

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Collections, Credit Management, Banking, Utilities, Telco, Healthcare, Hospitality

AI agents that handle the full conversation, not just the first message

Aryza Engage’s AI Virtual Agents autonomously manage customer interactions across voice, SMS and email – from outbound collections calls and Right Party Verification through to payment negotiation, two-way SMS conversations and inbound query handling. Trained on real credit and collections conversations, they replicate the human experience: empathetic, adaptive and multilingual.

Whether deploying a campaign to re-engage customers in arrears or managing inbound queries at scale, AI Virtual Agents free your team to focus on the interactions that genuinely require a human touch.

Capabilities

AI Collection Agent – Voice AI That Negotiates

Our AI Collection Agent conducts full outbound and inbound voice conversations autonomously. It negotiates payment arrangements, offers settlements or payment plans, detects customer sentiment and adjusts its tone accordingly. Custom voice, accent, gender and demeanour can be configured to match your brand and customer base.

AI Transfer Agent – Right Party Verification at Scale

Right Party Verification is essential in collections but resource-intensive. The AI Transfer Agent dials at scale, verifies customer identity in real time via voice and SMS two-factor authentication, then warm-transfers confirmed contacts directly to a live agent – complete with call context and metadata. In head-to-head comparison with offshore teams, Aryza’s Transfer Agent achieved 5x more RPVs using just 20% of the dial volume.

Two-Way AI SMS and Email Campaigns

Most SMS and email campaigns are one-directional. Aryza Engage changes that. Launch outbound campaigns and let AI continue the conversation when customers reply – with the same sophistication as a human agent. Inbound contacts are recognised by caller ID, verified and engaged based on their profile. Campaigns work across SMS and email, with no manual follow-up required.

Multilingual Engagement

AI Virtual Agents support conversations in English, Spanish, French, Arabic and more – enabling compliant, consistent engagement across diverse customer populations without additional headcount.

Continuous Learning

Every interaction is reviewed and used to improve future performance. The AI adapts based on real conversation outcomes, becoming more effective over time without requiring manual retraining.

Seamless Human Handover

When a conversation requires human intervention, the AI transfers the customer to a live agent with full context – conversation history, verification status and key metadata included. Agents step in at exactly the right moment, with everything they need already in front of them.

Configurable for Any Use Case

AI Virtual Agents can be integrated with your backend systems to execute on specific workflows – from payment processing and appointment management to fraud prevention and customer service. Behaviour, tone and escalation logic are fully configurable.

Real Results

5x

more Right Party Verifications than offshore teams

20%

of the dial volume needed to outperform manual RPV

380–420

daily closed conversations per AI agent vs 50–70 for voice-only teams

45%

average outbound engagement rate across SMS and WhatsApp campaigns

FAQ

How does the AI handle difficult or emotional customers?

The AI detects customer sentiment in real time and adjusts its tone and approach accordingly. It is designed to handle a wide range of responses – from cooperation to frustration – with empathy. Where a conversation exceeds the AI’s configured parameters or where escalation is required, it transfers seamlessly to a live agent.

Can the AI negotiate and set up payment plans autonomously?

Yes – the AI Collection Agent is built to negotiate payment outcomes including payment in full, settlements and structured payment plans. It can be configured to operate within specific parameters appropriate for first-party or third-party collections environments.

What languages are supported?

AI Virtual Agents currently support English, French, Spanish, Arabic and additional languages. Multilingual support is available across both voice and digital channels.

Does the AI integrate with existing systems?

Yes – AI Virtual Agents integrate with backend systems to execute tasks, access customer data and update records. Integration is configurable to your existing case management, CRM or dialler infrastructure.